BlastPoint's Credit Union Scorecard
FIDELIS
Charter #11380 · NY
2596 CUs in <100M nationally
188 in NY
FIDELIS has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 4.84% above tier average
- + Net Interest Margin 8.06% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.3% in tier
- + Efficiency Ratio: Top 5.9% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Average Member Relationship (AMR): Bottom 2.7% in tier
- - Total Deposits: Bottom 3.4% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Total Assets: Bottom 4.3% in tier
- - Total Loans: Bottom 4.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.5% in tier
- - Total Members: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
329
+1.9% YoY+0.6% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 8.8% in tier |
| Assets |
$700,923
+8.0% YoY-4.7% QoQ
|
$-29.2M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.3% in tier |
| Loans |
$224,391
+8.8% YoY+7.0% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.4% in tier |
| Deposits |
$380,578
+4.8% YoY-8.4% QoQ
|
$-25.1M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.4% in tier |
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| ROA |
5.5%
+196.0% YoY-46.8% QoQ
|
+4.8% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 0.6% in tier |
| NIM |
12.0%
+171.6% YoY-15.2% QoQ
|
+8.1% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 0.1% in tier |
| Efficiency Ratio |
48.8%
-16.9% YoY+68.9% QoQ
|
-32.6% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 5.9% in tier |
| Delinquency Rate |
1.2%
+525.3% YoY-22.4% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
67% |
| Loan To Share |
59.0%
+3.8% YoY+16.7% QoQ
|
-2.3% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
47% |
| AMR |
$1,839
+4.3% YoY-3.8% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.6% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (12 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
2
Net Interest Margin (NIM)
profitability
Value:
11.99%
Peer Avg: -
#2 of 2596
Top 0.0% in <100M tier
16
Return on Assets (ROA)
profitability
Value:
5.52%
Peer Avg: -
#16 of 2596
Top 0.6% in <100M tier
35
Net Worth Ratio
risk
Value:
45.51%
Peer Avg: -
#35 of 2596
Top 1.3% in <100M tier
154
Efficiency Ratio
profitability
Value:
48.78%
Peer Avg: -
#154 of 2596
Top 5.9% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
327
Loan Growth Rate
growth
Value:
8.82%
Peer Avg: -
#327 of 2596
Top 12.6% in <100M tier
341
Asset Growth Rate
growth
Value:
8.00%
Peer Avg: -
#341 of 2596
Top 13.1% in <100M tier
Top Weaknesses (7 metrics)
2528
Average Member Relationship (AMR)
engagement
Value:
$1,839
Peer Avg: -
#2528 of 2596
Bottom 2.7% in <100M tier
2508
Total Deposits
balance_sheet
Value:
$380,578
Peer Avg: -
#2508 of 2596
Bottom 3.4% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2485
Total Assets
balance_sheet
Value:
$700,923
Peer Avg: -
#2485 of 2596
Bottom 4.3% in <100M tier
2481
Total Loans
balance_sheet
Value:
$224,391
Peer Avg: -
#2481 of 2596
Bottom 4.5% in <100M tier
2479
Loan-to-Member Ratio (LMR)
engagement
Value:
$682.04
Peer Avg: -
#2479 of 2596
Bottom 4.5% in <100M tier
2367
Total Members
engagement
Value:
329
Peer Avg: -
#2367 of 2596
Bottom 8.9% in <100M tier